WILL WE WRITE IT?
Agent or business owner - either is fine.
Tell us what the business does, what state it's in, and roughly where the experience mod sits. We'll come back within one business day with a straight answer: yes, no, or what we'd need to see. No ACORD, no loss runs, no obligation - and if it's a yes, we'll tell you exactly what to send next.
SUBMISSION STRATEGY TIPS
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Highlight safety initiatives and loss control efforts.
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​Provide detailed claims history and mod trends.
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​Include industry-specific risk mitigation strategies.
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​Provide granular operational data (fleet size, routes, etc.)
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​Be transparent about past issues (e.g., shock losses, coverage gaps)
Please utilize this like a case study / sample pitch you can use when submitting to an MGA:
SUBJECT:
Submission – High-Mod Blue-Collar Risk | 50 Employees
BODY:
We’re submitting a blue-collar operation with approximately 50 employees. The client has experienced several claims over the past few years, resulting in a high experience mod (currently 1.78).
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Despite the challenges, the company has taken proactive steps:
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Implemented a new safety training program
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Hired a dedicated safety coordinator
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Updated equipment and PPE standards
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Engaged in return-to-work strategies to reduce claim duration
We’re seeking a carrier or PEO solution that can offer competitive pricing and claims support while helping the client improve their risk profile over time.
ATTACHMENTS:
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ACORD 130
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Loss runs (5 years)
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Current mod worksheet
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Payroll breakdown by class code
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Safety program overview